Long-term disability
Extended security that protects you for as long as you need it.
After your short-term disability runs out, long-term disability (LTD) protects you with regular cash payments that last for months or years, not weeks.

Peace of mind when you can’t work.


Long-term disability

This plan pays up to 50% of your
average monthly wage until Social
Security retirement age.


Long-term disability enhanced

This upgraded plan pays up
to 60% of your average monthly wage
until Social Security retirement age.


Truck drivers

You get the same coverage amounts,
plus a choice of coverage for five
years or until Social Security retirement age.

When coverage begins
  • If you enroll when you first become eligible, coverage begins on your 12-month anniversary for full-time hourly associates, and on your hire date for salaried associates.
  • If you enroll after you're hired but before your 12-month anniversary, coverage begins on your anniversary date.
  • If you enroll any time after your 12-month anniversary, there’s no waiting period. You'll have to provide, and coverage begins when that is approved.
  • You can only add or drop this coverage during Annual Enrollment or if you have a status change event like a marriage or a birth.
Your cost
  • Your cost is based on your age. You’ll find your cost in the current Benefits Rates.
  • Your cost per paycheck is deducted from all wages including bonuses.
  • You’re not required to pay for long-term disability from your disability payments. But if you receive any other payments through Walmart payroll, long-term disability premiums will be withheld.
Filing a claim
  • If you have been receiving short-term disability (STD) benefits for more than 21 weeks and you have enrolled in long term disability (LTD) coverage, Sedgwick will refer your file to your LTD carrier, Lincoln Financial Group (LFG), for ongoing review.  
  • A representative from LFG will reach out to assist you with your application for LTD benefits. Please be sure to respond to their request to prevent delay with ongoing claim processing.
  • If your claim is approved, payments will begin after your waiting period of 26 weeks or the end of your short‐term disability benefits, whichever is longer.
  • To check the status of your LTD claim, contact Lincoln Financial Group at 877-353-6404.
How payments work
  • If you’re disabled, as defined by the plan, benefits are paid biweekly.
  • The maximum monthly benefit with long-term disability is $15,000 for the basic plan and $18,000 for the enhanced plan.
  • Benefits are non-taxable, meaning benefits payable to you under the LTD plans are not subject to income taxes.
  • Long-term disability can also work together with other benefits like Social Security to replace a part of your paycheck.
  • You’ll find complete details in the Associate Benefits Book.
More options for drivers
  • Like other associates, truck drivers can choose basic or enhanced coverage.
  • Whichever you choose, you can choose whether your coverage lasts:
    • For up to five years of disability.
    • For the full duration of your disability until your Social Securityretirement age.
When can I enroll?
  • During your initial enrollment period. This is when you first become eligible for benefits, and it depends on your job classification. Check your enrollment options.
  • During Annual Enrollment, when all eligible associates can sign up or make changes.
  • ●      When you have a status change event, like a marriage or divorce, a birth or an adoption, or a change in your employment that benefits coverage. Keep in mind that you can only make changes that are directly related to the event. If you have questions, call People Services at 800-421-1362You’ll find details in the Associate Benefits Book.
  • If you are enrolled in Medicare Part D, you are not eligible to enroll in any Walmart-sponsored medical plan.

When it’s time, enroll online.

Filing a claim? Call Lincoln Financial.
CALL 877-353-6404

More resources

Need help?

Call People Services at 800-421-1362.
For claims help, call Lincoln at 877-353-6404.
See the 2022 Associate Benefits Book for more information about your benefits and eligibility. This document will control in the event of any conflict.